This area covers the financing of commercial property transactions in England and Wales where a solicitor helps arrange and secure loans against land or buildings. It includes drafting and negotiating loan agreements, facility letters, and security documents; coordinating with lenders, borrowers, and their due diligence teams; and registering security, usually a charge, at HM Land Registry. The work also involves reviewing title, ensuring any existing encumbrances are disclosed, and advising on variations, repayments, and compliance with lender requirements throughout the deal.
What a solicitor handles in these matters
The solicitor handles complex credit facilities, safeguards against title defects, negotiates restrictive covenants, confirms the borrower’s capacity to grant security, and ensures security interests are properly perfected and enforceable. They deal with lender policies, ensure regulatory compliance, and manage post-completion registrations and filings to maintain lender protection and enforceability.
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